Advice to help you
meet your goals
Unbiased financial advice customized to your life. We'll address any specific questions or concerns you have, or we'll help you get started if you're not sure where to begin.
Hourly-rate financial planning
Here are some of the most common topics we advise on. Getting these right is very benefical - either by growing your wealth or by giving you more clarity and less stress.
Getting started
Building wealth
Protecting loved ones
Navigating taxes
Estates and family law
Our pricing
Professional financial advice should be available to everyone, not locked behind high fees and account minimums.
Each consultation has a one-hour minimum and includes a written summary which lists action items and your next steps. We offer extended hours on evenings to better fit your busy schedule.
No product pitches or sales tactics. Just objective financial advice.
A little advice goes a long way
Here are a few ways we've helped clients in a single hour meeting:A client in her early 60s was considering starting her CPP retirement benefits for some extra income. We cautioned against starting now as it would reduce her CPP survivor benefits from when her spouse passed away. By waiting to begin CPP retirement and drawing from RRSPs in the meantime, she'll save about $20,000 of survivor benefits.
We advised a client to hold stocks in his non-registered account, and hold interest-bearing investments in his RRSP. This saves about $400 annually in taxes without changing his investment strategy, just improving the tax efficiency.
We helped an estate trustee prepare the final tax return for her deceased father. He owed the CRA $9,000. Turns out, she already gave money to the beneficiaries (herself and two siblings). Now she, as estate trustee, was personally liable for the taxes owed. If she had come to us at the start of the process, she could have saved about $3,000 by doing the correct order of finalizing the taxes before distributing assets.